Summary of microfinance customer service for 20xx years, with the correct leadership and support of the Group and the Head Office, the company faced a complex external economic situation, with a small amount of internal funds and great operating pressure. Calm response, sincere unity from top to bottom, confidence-building, hard work, through various measures, to ensure the company's steady operation, safe and orderly development throughout the year. Now let's make a brief report on the work of 20 14.
Completion of major economic indicators in1.20xx.
The company has 7 employees. Over the past year, we have granted credit 10, issued loans 10000 yuan, recovered loans 10000 yuan, paid various taxes 10000 yuan, and spent various costs 10000 yuan. By the end of the year, the loan balance is 10000 yuan. In the whole year, RMB billion was withdrawn from the employee fund, accounting for% of the company's capital.
Second, the main work
1 Establish rules and regulations and practice hard. In order to make new employees familiar with the business, familiar with the working environment and practice basic skills as soon as possible, the company started with the establishment of rules and regulations to experience the quality of employees, revised and improved the loan business system, risk management system and other 12 systems and the post responsibilities of employees in various departments, and organized weekly concentrated study. System management standardizes business processes, lays a solid foundation, and enhances the enthusiasm of employees to abide by rules and regulations and consciously perform their duties.
2 do a good job in publicity and expand customers. The company makes full use of the electronic screen, entrepreneur directory and other platforms to continuously scroll our service tenet, credit business and other contents on the electronic screen. In the first half and the second half of the year, I mailed our company's leaflets to 20 enterprises in the city. Squeeze time to go deep into enterprises to directly understand and master enterprise information, establish a database of 100 enterprises in the city, cultivate a group of outstanding customers, and better publicize and display the good image of our company's honest management and enthusiastic service.
3. Steady development of enterprise management
Over the past year, according to the arrangement of the group and the head office, based on its own reality, the company has analyzed and studied the company's business development field and customer resources, overcome the unfavorable factors of insufficient funds and ineffective business turnover, and made full use of limited funds. First, strictly operate the loan procedure, standardize the credit behavior, establish the supervision mechanism of credit tracking service, and strengthen the management before, during and after each loan. Second, strictly implement the loan interest rate standard, standardize the performance of the loan review meeting, and ensure that the loan is democratic, true, reliable and safe. Third, strengthen the sense of responsibility of credit officers to ensure the timely issuance, safe management and timely recovery of each loan. Fourth, in order to alleviate the pressure of insufficient funds, the company called on employees to actively absorb the employee fund 1 10,000 yuan, which supported the steady development of the company's business operations.
4 Consolidate details and strictly control risks
The company always adheres to the credit principle of controllable risks and safe funds. First, strengthen the risk assessment of credit assets, and the details and processes are rigorous and meticulous. The second is to supervise and inspect the performance of post-loan management responsibility of credit business. Third, a tracking and inspection register was established, and an early warning mechanism was established. All links were well controlled, and a virtuous circle of capital security was realized. Fourth, the standardized requirements put forward by file management were strictly implemented, and the management of personnel, sets, cabinets and volumes was achieved. The leaders signed and handed over the files in time, ensuring business safety and avoiding business risks.
5. Grasp financial supervision and promote accounting standardization.
First, strengthen the management of financial examination and approval items, adhere to the filing system of large expenses, and strictly examine and approve financial expenses. Second, it has promoted the construction of accounting standardization, revised and improved the internal control system, and standardized and controlled accounting risks from the system. Third, strengthen the management and use of accounts, tables and vouchers, and standardize the management of accounting files. The fourth is to make accounts in time. Submit relevant statements and materials to the local tax bureau and the head office in a timely manner. The accounting business has been timely, true and effective.
6. Strengthen management and improve service level.
This year, the company started with strengthening internal management and adopted various effective forms to improve the service level of employees. First, the company's business learning plan was introduced, which focused on learning once a week and discussed and exchanged once a quarter, and made specific requirements on learning content, the number of words in notes, and the results achieved, which laid the foundation for cultivating employees with exquisite business, excellent style and hard work. The second is to carry out the second workers' cultural and sports education activities to enhance the spirit of passion, unity, cooperation and courage to fight for the first place. The third is to create a good working and service environment, so that customers feel warm, comfortable and at ease when they travel to the company. Fourth, care about the work and life of employees, do a good job in safety protection, and pay employees' social security and medical insurance funds in time, so that employees have no worries.
Second, the existing problems.
First, the branch has just started, and the amount of funds is small, which restricts the development of the company to some extent.
Second, due to the shortage of funds, the company can't organize employees to go out to visit and learn good typical experiences.
Third, the industry field is not wide enough in business development.
Over the past year, with the joint efforts of all staff, the company has faced difficulties and developed steadily and orderly as a whole. In view of the existing problems, we will try our best to solve them in the future work.